Navient Solutions, LLC.

2019-04-03

Arco, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Navient told me multiple times that a Graduated Repayment plan would count for the Public Service Loan Forgiveness program. It does not. And I paid three years into the program under that plan before switching to a qualifying Income Based Repayment plan. I am now three years behind on qualifying payments for the PSLF program.
Company Response: Closed with explanation

Timely Response

2019-04-03

Gloucester City, NJ

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I was struggling to make payments with Navient, and getting bombarded with phone calls saying that a payment wasn't made. I would say a payment was made on this day and they would say sorry give a 24-48 hours to show up for us, this would happen a couple times a week. I would go online and see fees and have no idea where they came from, my account would show not current while payments were being made. While I would get these calls telling them a payment was in fact made, I would say this is really hard, I need my payments lowered. I was told by a representative that they didn't want to insult me on how to make my payments. I couldn't take the phone calls, or the struggle, or just the rudeness of the employees anymore so I missed a couple payments. In XXXX, I was told that no one worked hard enough to lower my payments and infect my interest rate could have been lowered. I was distraught because this has been a struggle, I had a baby 10 months ago so I had this added expense as well. I was asking for a contract saying that this is what my payments would be if in fact my interest rate could be lowered and was told they can only do this verbally and also if my debit card was on file. After everything I did not want to have an automatic payment from this company. I have been trying to get an attorney to help me deal with them and I can not find one that is willing to take me on, one in my budget that is or deal with this company. Two attorneys said that they do not deal with Navient. I just want to pay back my loans without being insulted or depriving my daughter of things that she needs and being able to pay my other bills.
Company Response: Closed with explanation

Timely Response

2019-04-03

Oaklevel, VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: I have reached out to the department of education regarding the student loans for XXXX XXXX XXXX college with no help. I did inform them that the student loans were paid in full and was advised that they were not. i did reach out to XXXX XXXX Executive Director of Financial Assistance Services who also confirmed the loan were paid in full. I did receive the documentation that the loans and there are four of them are paid in full as well per Navient credit finance corp. these student loans for for the period of XX/XX/XXXX XXXX. I have tried to reach out to the umbootmans office however they advised they once they have an electronic signature they can put that signature on any document they want to and that proves i owe whether i do or not does not matter. I did ask for the call to be escalated and i never heard nothing back. I have also contacted the IRS since it was the XXXX taxes that was taken which should not have been. This issue is not resolved and i have attached proof the loan was paid off.
Company Response: Closed with explanation

Timely Response

2019-04-03

NH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Hello, I am incredibly concerned and frustrated with the way Navient has handled my student loan repayments, and after researching the current cases against them. I wanted to share the issues I have had with Navient since graduating in 2012. -Once graduating in 2012, I began to repay my loans using the income driven repayment plan. I chose this option because the cost of my rent, car and household bills took up most of my low income. My payment was around {$100.00} and I faithfully paid it every month. After 4 years my payment NEVER decreased. I was only covering interest, and was charged hundreds of dollars in capitalized interest each year. It is clear that they were pushing students to choose this plan to make the company more money in interest. Why would navient include a payment plan that would never pay off your loan? Because it was more money in their pocket. -Once I realized what was happening with the income driven plans, I switched to a graduated plan and began throwing any extra money I had toward my loans. The website has an option to allocate where extra payments go. I chose to tackle the highest interest loan and was putting all my additional payments toward that. There is also a place on the website to tell navient to either push out your due date when extra payments are made, or keep billing you the monthly amount. I specifically checked off the box to have them continue billing me for my monthly amount. However, over the years I have had to call and complain because they ignore this request and advance my due date on some loans. I believe they advance the due date on some loans so they will be able to charge capitalized interest. -The most recent issue I had was when I decided to go back to school to get my masters. My company paid for me to take a class, and I did not opt for any financial aid. I did not request for ANYTHING about my XXXX loans to change. A month into taking this class, I got a letter from Navient saying that my loans had been put into deferment because I was a XXXX XXXX XXXX. I DID NOT REQUEST OR APPROVE THIS. I had to call Navient to request they take my loans out of deferment. A month later I was charged {$61.00} in capitalized interest, despite having paid {$600.00} extra payments every month for 6 months. During the phone call I was told that the {$61.00} was for the 15 days that my loans were in deferment. That 15 days was the time it took for them to send me a letter informing me of the deferment. I check the website weekly, and it never said I was in deferment anywhere online. I also found out during this phone call that they had again been moving my payment due date a month forward with each extra payment I made. Therefore, some of my loans were accruing the capitalized interest WITHOUT MY KNOWLEDGE even though I had specially checked off the do not advance my monthly payment on the website. The woman on the phone told me that their system did not have it checked off. I am extremely frustrated with this company, and I worry for those new graduates who might naively assume that their minimum payments are making a difference in their loans. Students are trusting this company to handle their payments correctly, and Navient continues to cheat us out of thousands of dollars. Their communication is unclear and inconsistent. I now fully read my entire statement every month and compare it to my online account to make sure the information is correct. It almost never is. Something needs to be done to give students a fair chance at loan repayment. Thank you for your time, XXXX XXXX XXXX, NH
Company Response: Closed with explanation

Timely Response

2019-04-03

IA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: nAVIENT HAS MIS-ALLOCATED MY PAYMENTS. I HAVE PAID THEM OVER {$6000.00} ON A {$4900.00} PRIVATE STUDENT LOAN ISSUED IN XX/XX/2009. HARDLY NONE OF THE PRINCIPLE DOLLAR AMOUNTS HAVE BEEN PAID ON. ADDITIONALLY, WHEN I HAD TIMES OF ECONOMIC HARDSHIP DUE TO JOBLOSS NAVIENT DID NOT PROVIDE INCOME DRIVEN LOWERED MONTHLY PAYMENTS. THEY STEERED ME INTO PROGRAMS WHICH WAS ONLY TO BENEFIT NAVIENT.
Company Response: Closed with explanation

Timely Response

2019-04-03

Carson, MS

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive notice of right to dispute
Complaint: Since XX/XX/XXXX, I have been requesting for Navient to provide me with my student loan information. I provided Navient with my new address multiple times. However, I never received a bill. My new address is on my payments also. Navient refuses to provide me with any information regarding my loan. I do not know my current status. I have been sending my last known payment amount of {$25.00} each month though. I also need my student loan information to file my taxes. It's not fair for this company to report me to credit bureaus when they refuse to provide me with any information. The last time I contacted them was XX/XX/XXXX. I still haven't received a response.
Company Response: Closed with explanation

Timely Response

2019-04-03

Hamburg, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: My loans are serviced through Navient. I have been on the REPAYE program for 2 years. I receive all of my correspondence from Navient through email including a debit warning and payment confirmation every month. I did not receive a notice about my annual renewal for REPAYE and missed the deadline to recertify by 2 days. There was a single notification in the Navient Inbox with all of the payment confirmations that I get by email but this one was not sent to me.
Company Response: Closed with explanation

Timely Response

2019-04-03

Lexington, KY

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: Student Loans were originally serviced by Sallie Mae. In XXXX, I filed Chapter XXXX bankruptcy and they were included and they were discharged in XXXX. Now Navient continues to try to collect on the original loans. I have contacted them and they say that I still owe debt. So as result i applied for forebearance. Navient is under federal investigation for this very issue ( trying to collect on debt after it has been discharged through bankruptcy ).
Company Response: Closed with explanation

Timely Response

2019-04-03

Hollywood, CA

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: IN THE SUMMER OF XX/XX/XXXX NAVIENT WHO IS A SERVICER FOR SALIE MAE HAD ME ON THE RATE REDUCTION OF 4 %. IN XX/XX/XXXX THEY INCREASED MY INTEREST RATE TO 15 % AND THE PAYMENT TERM ALSO INCREASED SO I AM PAYING MORE INTEREST THAN EVER. THIS RATE IS SAME AS A CREDIT CARD AND ITS VERY UNFAIR. I HAVE BEEN PAYING ON TIME ON A AUTOMATIC DRAFT AT THE 4 % INTEREST RATE. I CALLED NAVIENT AND ASKED THEM WHY THEY CHANGED MY RATE TO 15 % AND THEY SAID BECAUSE MY CO SIGNER CAN AFFORD THE 15 % AND ALSO BECAUSE THE INFORMATION ON THE CREDIT REPORT. MY CREDIT HAS BEEN THE SAME FOR THE LAST 5 YEARS. I THINK THIS IS A DECEPTIVE BUSINESS PRACTICE BY NAVIENT AND ABUSE TO POOR STUDENT THAT IS TRYING TO MAKE A LIVING. PLEASE TALK TO NAVIENT TO LOWER THIS INTEREST RATE AND DISCLOSE THE TERM OF THE LOAN.
Company Response: Closed with explanation

Timely Response

2019-04-03

Brooklyn, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Navient was my previous loan servicer and they misinformed me about my eligibility for the Public Service Loan Forgiveness program. I was told in 2013 that I was in an income based repayment plan and discovered via a XXXX XXXX XXXXXXXX article that discussed similar complaints. I tried to address this issue which transfered my loans to a new servicer, XXXX which was also not helpful in fixing my problem. I need all recordings and documentation from Navient in order to support my case that my payments should have qualified under the PSLF program. I called Navient today and they will not release my recordings without a subpoena which is beyond my means to get. Please assist.
Company Response: Closed with explanation

Timely Response

2019-04-02

Deerfield Beach, FL

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-04-02

Hadar, NE

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

2019-04-02

Penn Yan, NY

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

2019-04-02

Lilburn, GA

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-04-02

Marietta, GA

Threatened to contact someone or share information improperly

Debt collection: Federal student loan debt

Contacted you after you asked them to stop
Company Response: Closed with explanation

Timely Response

2019-04-02

Palos Park, IL

Incorrect information on your report

Student loan: Federal student loan servicing

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-04-02

FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have been paying my student loan every month for almost 12 years. I have never had a problem until a couple of months ago. They raised my payment {$250.00} more a month even though I made {$6000.00} less than I did last year. I have been paying {$190.00}. a month. I have mailed them 3 different Income driven repayment plans with a copy of my XXXX showing I made XXXX last year. They keep emailing me saying I made XXXX so they are basing my payment on that amount. I emailed them 3 times now saying to please look at my XXXX that shows I made XXXX but they email me saying I made XXXX. I will be XXXX in XXXX and I feel as though this is elder abuse. I have told them I can not pay the 450 a month. I have called several times but there phone number is for the XXXX, they have no number for the USA. The people in the XXXX put me on hold and say there computer is down and they can't help me. The student loan company is Navient. I want to pay my loan but I want it to be based on my income not the income they are saying I made. Please help. Thank you
Company Response: Closed with explanation

Timely Response

2019-04-02

Youngstown, OH

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I attempted multiple times to come to a resolution with Navient concerning my private loan repayment options. I was lied to and told I had a co signer which I did not to try and scare me into making higher payments. I was then told I couldnt be in default and get on a lower payment program so I paid money to get out of default to only then be told by the next representative that I had to be in default to qualify for lower payments. I have now had to settle this debt with a debt collector to avoid garnishment. I was given an {$18000.00} loan with no job and no co-signer but a very high interest rate. This is bad and potentially illegal practice to do to children that they will suffer for the rest of their lives rather than just denying them.
Company Response: Closed with explanation

Timely Response

2019-04-02

NH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have been making monthly payments on my ten student loans serviced by Navient. My payment is {$370.00} a month dispersed to all ten loans. I specifically send an extra payment of {$300.00} to loan number ten which has the highest interest but lowest balance. I'm doing the " snowball '' debt pay off. In XX/XX/XXXX I decided to take a course toward my XXXX 's through XXXX XXXX XXXX University. I did not take a loan for this course or request any change in my current loan agreement with Navient. My employer offers tuition assistance. In XX/XX/XXXX I noticed that I did not receive a monthly statement from Navient for my monthly payment. I went online to check my account. I noticed all my loans were put into forbearance without my permission. They also put my parent 's Plus Loans into forbearance. I called Navient to reverse their action all while continuing to pay my monthly payment and extra payment to loan ten. Navient 's explanation was a bogus excuse. In my opinon, Navient should not have the ability to change the status of my loan payment without my permission or request. I never requested that my loans be put into forbearance. My recent statement dated for XX/XX/XXXX has me confused and angry. Not only did I never stop making payment to Navient at any time over the past three years, but they somehow charged me compounded interest for the time that they placed my loans into forbearance. I have called them to have the interest removed. I asked for an explanation. They blamed XXXX XXXX XXXX University for placing my loans into forbearance. I was also told that the {$61.00} OF CAPITALIZED interest will not be removed. Navient is corrupt. I am also writing to the New Hampshire Attorney General. I have done my research. Navient is being sued for unlawful practice in many states. If Navient is allowed to do this type of bait and switch practice to someone like myself who has always paid my loans on time and has even paid extra every month, I can only imagine what they are doing to others. This needs to stop! Please do something about Navient.
Company Response: Closed with explanation

Timely Response

2019-04-02

Wallington, NJ

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Complaint: RE : I receive unsolicited call from Navient to employer, creating a hostile work environment Date : XX/XX/2019 Time : XXXX Issue : Navient continues to try to establish contact with my employer regarding a student loan. Navient also engaged in exposing personable identifiable information. This is a violation of the consumer protection act. Navient has been advised and issued a formal notice of this particular illegal practice/action many times before but continuing to proceed and completely disregarding the checks and balance. Please be advised-
Company Response: Closed with explanation

Timely Response

2019-04-02

Bellaire, TX

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: Navient is charging me for a loan that was supposedly exonerated over 10 years ago. They've bullied me into making several payments so it could take the negative effect off of my credit report and be up to date. 10 years ago my mother took out a student loan in my name with my step father as the co-signer. Shortly after, my dad had gotten cleared for XXXX XXXX veterans XXXX which allowed me, as his dependent, to utilize his benefits that paid for my college finances. Because of this, the loan was no longer needed and my mom had it exonerated. Only for 10 years later to pass and I am being charged for this! I do not have the funds to pay this loan and do not feel I was fairly approached and educated on this matter.
Company Response: Closed with explanation

Timely Response

2019-04-02

Holland, MI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: Navient for a year has insisted that I have an unpaid late fee of XXXX. However if you look at my transaction history over the last two years any fees I have accrued were earlier last year and those were quickly paid off. I have over paid on my monthly payments, so it would make sense that I shouldn't have any late fees. I tried contacting Navient directly, but they weren't helpful. When trying to contact them a second time to try to get them to tell me exactly when that late fee was assessed, they haven't answered me. Each billing amount includes that late fee. The fee of XXXX goes as far back as May of last year. I have included my transaction history, the bills from XX/XX/2018 to the present, and the response Navient gave me when inquired about the late fee.
Company Response: Closed with explanation

Timely Response

2019-04-02

Seligman, AZ

Problem with a credit reporting company's investigation into an existing problem

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

Investigation took more than 30 days
Complaint: Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A separate account owned by, XXXX, aka XXXX XXXX XXXX, aka XXXX XXXX, aka XXXX XXXX XXXX, aka Navient owned two of these accounts. I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX to what was XXXX XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame.I did not receive a response letter at any point. I then received a second bill in the end of XXXX as well as the Agency continued to report to all three major credit bureaus on my behalf and also was at this point referencing to themselves as XXXX XXXX XXXX XXXX fka XXXX XXXX I sent a second request for validity XX/XX/XXXX I received a response letter from XXXX XXXX XXXX XXXX C/O Navient stating they are " unable to verify '' and requested more information, requesting additionally social security number and date of birth as well as other information that was provided originally to them already it is my understand of the Fair credit Act that I do not have to provide my date of birth or social security number to them as them are simply trying to verify this is my debt, to collect.I then sent a third certified, and notorized letter requesting a validity including my date of birth XXXX XXXX have not received a response from any of all of the above referenced collection agencies as of today 5 months since original dispute.
Company Response: Closed with explanation

Timely Response

2019-04-02

California, MD

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-04-02

Newnan, GA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: In XXXX I received a notice from Navient that my student loan payment would go from {$42.00} to {$880.00}. That amount is beyond my limit at this time. I am XXXX XXXX XXXX and my XXXX XXXX amounts to {$2100.00}. I requested a graduated lower payment because i have an expensive car payment and high medical bills at this time. I will have these paid within the next 12 months. I have made repeated calls to Navient. On XX/XX/XXXX I was told that the amount could be reduced to {$570.00}. That amount is still too much. I could pay about half that much. Can you assist me in this matter?
Company Response: Closed with explanation

Timely Response