Navient Solutions, LLC.

2019-04-05

Tolleson, AZ

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Company Response: Closed with explanation

Timely Response

2019-04-05

Cherry Brook, MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2019-04-05

Austin, TX

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2019-04-05

Atlanta, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: I am currently in the process of trying to get a loan and I am getting denied. My account with federal student loans is showing I have missed over 120 days of payments from the months of XXXX. At the time I had so much going on and did not pay close attention that even though I was a recent graduate that I had loans to repay. I am asking that you guys see that Ive always been in deferment. I am not finically stable to start paying right now. These loans have been so long ago and Im asking for forgiveness to remove some of these charges on my credit report.
Company Response: Closed with explanation

Timely Response

2019-04-05

Phila, PA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Company Response: Closed with non-monetary relief

Timely Response

2019-04-05

Houston, TX

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I attended the University of XXXX from XXXX XXXX. With high-pressure tactics from the schools recruiter. They highly recommended that I should attend this particular college, and that all of my schooling would be fully funded, and they would help me find a great paying job from their Employment placement program. They mentioned even though they have the lowest tuition cost, and the highest graduation rates, I would not have to pay for my school loans until I found a job that salaried me at least {$50000.00} under their Employment placement program. Unfortunately, the school loan University of XXXX promised was fully paid for was not true. There were a few classes where my tuition ran short and I had to find the money to pay for it out of my own pocket if I wanted to continue my education. Moreover, the final cost of my school loans has grossed double ( due to high interest rates XXXX to what was initially owed. Due to lack of funds and a steady paying job, I ended up filling Chapter XXXX Bankruptcy in XXXX and XXXX XXXX back in XXXX. I completed the payment plan. During the court proceedings, I had to go through a XXXX XXXX to determine if I am financially unstable to payback my student loans as well as maintain a minimal standard of living. I was approved, and The University of XXXX was added to that Bankruptcy and was deemed as an Undue Hardship. When I pull up my credit report, Sallie Mae ( Now known as Navient ), and the U.S. Department of Education both show on my credit report as Included in Bankruptcy. However, it still show that I owe {$84000.00} as debt on my credit file. I even logged on to my Navient account and it still shows that I owe close to {$85000.00}. When I spoke to a Navient rep on the phone and explained to her that my dept was included in my Bankruptcy due to Undue Hardship. She said this was not true, and that no federal loan can be discharged in a bankruptcy. On my credit report, I have 11 closed Navient Accounts that show I have a balance totaling {$84000.00}. Then I have an additional 8 closed Navient Accounts that references the Navient account was included/discharged in my Bankruptcy.
Company Response: Closed with explanation

Timely Response

2019-04-04

Avondale, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2019-04-04

Virginia Bch, VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2019-04-04

Wascott, WI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-04-04

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-04-04

Kingstree, SC

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Complaint: This is regarding Navient. On XX/XX/19 I received my first phone call at XXXX, then again at XXXX, again at XXXX, again at XXXX, and again at XXXX. I informed them that I was at work and could not talk at the XXXX phone call. They continued to call. On the XXXX call I requested a supervisor multiple times before I was sent to supervisor XXXX XXXX.I told him this was harrassment and I was aware of my rights they said they were allowed to call between XXXX and XXXX until I made my payment. My payment was 20 days past due for {$180.00} and they continued to tell me I had to pay and calls would stop. I asked for the customer service number and he gave me the number to make my payment. Im not going to lie I said some choice words to him then hung up. I called back and spoke with XXXX XXXX. I was calm with her she told me to just make my payment if I could make payment the calls would stop, was talking over me and not qilling to listen to what I was saying. This complaint is about the harrassing phone calls and delibrate action supervisor XXXX XXXX took in preventing me from talking to customer service. I could understand multiple calls if I was habitually or significantly past due but seriously 20 days and {$180.00}?
Company Response: Closed with explanation

Timely Response

2019-04-04

TX

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I paid in full on one of my student loans ( Loan XXXX ) with Navient on XX/XX/2019and still have one outstanding loan ( Loan XXXX ) in the amount of. Navient has continuously deducted from my bank account the full payment amounts for both loans on XX/XX/2019 & XX/XX/2019. Navient takes the monthly payment amount of {$110.00}, of which {$87.00} was for the paid off loan, and holds it as a credit. The open loan gets its payment of {$24.00} amount applied to the interest and principal amount and continues to charge interest daily while holding my credited amount of {$87.00} for 30-60 days before reallocating it to the only open account left. I have had to contact them numerous times to correct this issue and to close out the paid in full account to stop this but have yet to resolve the issue. The paid off account is still open and Navient still deducts the monthly payment of {$87.00} and holds it while charging interest on the other loan instead of applying the payment to the final loan. This seems intentional since Navient can charge my interest on the open loan with a higher balance than applying the full credited payment to the loan, which would result in less interest charged. This is not right! I should be charging them interest for holding my credited balance and not applying it properly.
Company Response: Closed with explanation

Timely Response

2019-04-04

Kalamazoo, MI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-04

Orion Twp, MI

Communication tactics

Debt collection: Federal student loan debt

Frequent or repeated calls
Complaint: They will not communicate by email. Their website " contact site '' says : To email us, log in to your account and access the Email Us feature. I am in my account and there is no such " feature ''. It doesn't exist. Repeated calls every 2 hours, never leave a message. I am behind. No kidding. It is temporary hopefully. No way to communicate that to them without telephone harassment. Also says I owe for XXXX but I don't. I have payment coupons from them that says so. Repeat offender over and over through the years.
Company Response: Closed with explanation

Timely Response

2019-04-04

ME

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Navient never explain loan for forgiveness was available for income driven plan. They made it sound like a bad option as you have to reapply every year and show your income.
Company Response: Closed with explanation

Timely Response

2019-04-04

WI

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I got a loan in 2008 I believe and after done with school it was hard to get a job that payed well for the career I was pursuing, my My loan interest kept going up and I had no job for a couple of months.They kept adding everyday interest and its hard for me to pay the whole loan.
Company Response: Closed with explanation

Timely Response

2019-04-04

IN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-04

Center Grove, IA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-04-03

Bremerton, WA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2019-04-03

Deerfield, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-04-03

N Las Vegas, NV

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-04-03

Communication tactics

Debt collection: Private student loan debt

Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-03

Lafayette, IN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-03

Bel Air, MD

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with monetary relief

Timely Response

2019-04-03

Belleville, IL

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response