Navient Solutions, LLC.

2019-03-30

Brooklyn, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: The school I attended is no longer in business. I have NEVER been told about forgiveness options for my loans ; only given forbearance/deferment options. I pay {$80.00} to {$100.00} a month toward my loans, yet somehow I am still behind, with NO option to lower my payment so that what I am paying matches up with my monthly amounts. I get up to FIVE phone calls a day about the delinquency of my account. Once a month I get a mailbox stuffed full of letters from Navient about my account. I want to know what are my rights as an attendee of the now defunct XXXX XXXX and what my responsibilities are.
Company Response: Closed with explanation

Timely Response

2019-03-30

N Haven, CT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-03-30

Des Peres, MO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-03-30

Honolulu, HI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-03-29

Seattle, WA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Company Response: Closed with explanation

Timely Response

2019-03-29

Discovery Bay, CA

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-03-29

Sylvan Beach, MI

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-03-29

Bronx, 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

2019-03-29

Olympia, WA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-03-29

Carver, MA

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: In the Fall of XX/XX/2005 I was attending the XXXX XXXX of New York. I became ill shortly after the semester began ( approximately two weeks ) and was taken to a hospital in XXXX. The doctors informed me I must return home and rest for two weeks then I could return to classes. I notified The XXXX XXXX immediately and returned home to XXXX to recuperate. The first week I was home I received a phone call from the school informing me I could not return to classes as I would be missing too much class work. I offered to do my school work at home but was denied this opportunity. I asked for my loan disbursement of {$6000.00} be returned to Navient ( then Sallie Mae ) and I was told to contact Navient which I did. They stated they could not help me and that the school had to return the funds. Neither XXXX XXXX XXXX nor Navient was willing to help me. My official transcript states I withdrew from all my courses but does not state I was forced to withdraw due to illness. Over the years I have made calls to Navient to help me with this loan. Also I was never given the opportunity to use this loan for my continuing education back in Massachusetts the following semester. I was told to contact the school but unfortunately the XXXX XXXX is now defunct. I contacted the parent company of XXXX, XXXX XXXX XXXX XXXX, and again I was told the decision was up to Navient. My request for Navient is I want this loan discharged as I did not use this money for my education. PLEASE DO NOT TELL ME TO CONTACT THE XXXX XXXX AS THEY HAVE TOLD ME TO CONTACT NAVIENT. ALL BUT THIS ONE LOAN WITH NAVIENT HAS BEEN PAID OFF BY ME. ALSO, MY PAYMENT HISTORY WITH NAVIENT IS IMPECCABLE!
Company Response: Closed with explanation

Timely Response

2019-03-29

Jacksonville, FL

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-03-29

Fairfax, VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-03-29

Tampa, FL

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

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

Their investigation did not fix an error on your report
Complaint: I have a loan with XXXX XXXX and XXXX XXXX/NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX XXXX and XXXX XXXX/NAVIENT with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response: Closed with explanation

Timely Response

2019-03-29

Plymouth, FL

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Navient has continuously charged usurious interest and has not applied payments toward principle. We have paid more than {$40000.00} interest on a {$46000.00} loan over a period of twelve years.
Company Response: Closed with explanation

Timely Response

2019-03-29

Finksburg, MD

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I have tried several times to refinance my student loans that are currently being serviced by Navient. Despite having a credit score above XXXX, and no late payments on any other debt accounts, except for loans serviced by Navient, I am routinely denied refinancing by banks, other servicers, XXXX, XXXX, etc. I have spoken with the team at XXXX as well, and they advised that I contact Navient directly, and request they remove previous late payment marks as it is over 3+ years old ( or provide in writing that I am no longer delinquent ), due to my current good standing. I have explained the situation on several occasions ( XX/XX/XXXX, and most recently XX/XX/XXXX ), and despite XXXX saying Navient has the right/ ability to remove these late marks, Navient refuses to do so, fully acknowledging that they have trapped me into paying them, and not being able to refinance. I feel that I am being unfairly treated as well as subjected to indentured servitude by Navient. My loans are currently at an average interest rate of XXXX % ( ranging from XXXX - XXXX % ). XXXX has told me that the WORST rate I would be offered would be XXXX %, and most likely closer to XXXX %. This is outright usury and would be illegal in any other short-term lending, or housing loan! I have paid them over XXXX to date on a XXXX principal loan, and currently have a remaining balance of XXXX. I am simply seeking to refinance with a better lender/ creditor/ servicer. As a customer I do not believe this is too much to ask for! XXXX NAVIENT!
Company Response: Closed with explanation

Timely Response

2019-03-29

Tibbs, MS

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: In 2008 I applied for college with XXXX University, XXXX XXXX and was told that my classes would be {$810.00} per class. XXXX University took double that amount out of my loan and I have disputed these charges with the college and with Navient but can not get any relief from either company. Navient keeps putting my account in forbearance running the cost of the loan up even higher. Somehow the company took out 2 separate loans out under my name and no one can explain to me how that occurred. I am requesting some type of help with this matter.
Company Response: Closed with explanation

Timely Response

2019-03-29

Rockford, IL

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: Was put on a nine month rehab program, completed it and was charged {$13000.00} additional interest along with a {$6000.00} fee after completion and they kept taking off the once one driven repayment plan before the renewal one year time was up and was not allowed to regain it along with being told call the Deparrment of Education to ask them to take off the additional interest. Asked numerous times to send me the forms in the mail to reinstate for income driven repayment plan and never received anything. Then started getting 10 robo calls a day from unknown numbers along with Navient, XXXX calling and harrassing me with nonstop daily calls leaving message or voicemail with someone talking so fast noone could understand. This is ridiculous and illegal and harassment
Company Response: Closed with explanation

Timely Response

2019-03-29

NJ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: I'm on a income driven plan which is XXXX dollars and I make payments anyway but I'm being charged interest daily which appears on my credit report as a increase. I swear over XXXX has been added to my account. This has to be illegal. I'm trying to knock the smallest loans first but honestly daily interest is hurting me. What can be done?
Company Response: Closed with explanation

Timely Response

2019-03-29

Scottsdale, AZ

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 explanation

Timely Response

2019-03-29

PA

Getting a loan

Student loan: Private student loan

Fraudulent loan
Complaint: I was enrolled in XXXX XXXX College in XXXX, PA in XX/XX/1999 through fraudulent means. My mother and father signed the paperwork for financial assistance ( Sallie Mae ) without understanding anything ( they don't know English ). The career advisor did not know XXXX and it was never translated so that my parents would understand what they signed. The advisor was using aggressive selling tactics. I was supposed to earn an XXXX Degree in 18 months but they closed and I was unable to use any credits to transfer to other colleges ( they said they were transferrable ). I was, in turn, stuck in a loan at a high interest rate with Sallie Mae without even getting my XXXX Degree. 20 years later and I now owe over 60,000 ( they sold the loan to Navient ). XXXX XXXX College was sued and many students got relief. I am in dire need of relief from this loan.
Company Response: Closed with explanation

Timely Response

2019-03-29

Wurtsboro, NY

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

2019-03-28

Fort Worth, TX

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 explanation

Timely Response

2019-03-28

Nixa, MO

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2019-03-28

Houston, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-28

Lacey, WA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying 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