Navient Solutions, LLC.

2019-03-28

North Tunbridge, VT

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

2019-03-28

Carson, MS

Communication tactics

Debt collection: I do not know

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

2019-03-28

Vicksburg, 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

2019-03-28

Lafayette, LA

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

Student loan: Private student loan

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2019-03-28

Haledon, NJ

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

2019-03-28

Fort Pierce, FL

False statements or representation

Debt collection: Federal student loan debt

Attempted to collect wrong amount
Complaint: In XXXX of XXXX, I defaulted on my Federal Student loan. XXXX XXXX XXXX was hired by XXXX XXXX XXXX XXXX XXXX, ( XXXX ) to collect my balance of {$13000.00}. I spoke to XXXX on XX/XX/XXXX where we agreed that I would enter into a federal rehabilitation payment program to repay my loan. He explained that I needed to email copies of my tax returns after I verbally told him what my income was for that year by reading the amount off my XXXX tax return. I further explained to him that I was making 3 other student loan repayments and would be able to pay $ XXXX monthly. Also, I explained that I would be able to make a payment that night and he didn't take it because he wanted to get me enrolled in the rehabilitation program, which I was qualified for. He said, that $ XXXX monthly would be around what my payment would be from learning what my gross annual salary for XXXX was. He assigned me the reference # XXXX and asked me to email my tax returns. Upon receiving my information, he would submit all the paperwork and send a confirmation via the United States mail. I emailed my income tax return as soon as I hung up with him. I received a confirmation via email that they received my documents. Please note that all conversations are recorded at their company and this one has me agreeing to enter into the rehabilitation repayment program on XX/XX/XXXX. Then on or about XX/XX/XXXX I receive a letter from XXXX XXXX XXXX with a new balance of {$16000.00}. I immediately called them & asked why? Mr. XXXX XXXX, supervisor, explained that the new balance was because of my lack to supply sufficient evidence of my taxes. Subsequently, I had no recourse with them, thus I contacted the New York State Attorney General, XXXX XXXX. I have the documents from their office which I would like to forward to your office. I have also contacted the Division of Finance in Missouri and XXXX XXXX is waiting for a response from XXXX.
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

PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Our daughter graduated from XXXX. We took out a parent plus loan all 4 years. When we add up our total with those Federal loans, it's correct. BUT, Navient began contacting us with a balance of {$28000.00} and offer ZERO information on what that is, why they have that balance, we have tried ( without success ) to get an explanation. It seems they have a portion of the SAME loans that Federal loans are already including. So our daughter is struggling to make a payment to her federal loans each month and also to Navient because no one seems to be able to explain why they have it or what it's for. She's basically put out over {$1000.00} to them but each phone call they have treated her with total disrespect as if we are supposed to hand over money she works hard for with no explanation. At the very least if it is legitimate, we would like to have them all with federal so that one payment can be focused on. Navient is a horrible company we don't want to be dealing with while we trudge through this debt. Thank you. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-03-28

CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I'm having a problem with the " Balance '' amount shown on my statements. This is for 2 loans : XXXX and XXXX. The repayment process started on or about XX/XX/XXXX. At that time, my " Balance '' was showing that I owed {$38000.00}. I had a forbearance approved on XX/XX/XXXX when Navient took over the loan. Payments resumed on XX/XX/XXXX. My " Balance '' was {$41000.00}. I've made timely and proper payments every month since then. Payments ranged from {$460.00} to a present amount of {$270.00}. My most recent statement of XX/XX/XXXX shows a " Balance '' of {$41000.00}. Why, after almost 6 years and payments averaging about {$300.00} a month, hasn't the " Balance '' decreased? 70 months at {$300.00} a month is {$21000.00}. The " balance '' should have decreased considerably. Instead, it increased from {$38000.00} to {$41000.00}. Also, my last credit score went down as a result of this loan increasing. I talked to Navient on or about XX/XX/XXXX and " XXXX '' said that the balance never increases and the credit reporting agency is unreliable
Company Response: Closed with explanation

Timely Response

2019-03-28

Allentown, PA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I have had this loan since 2003. First it was through Sallie Mae then some how without my doing was transferred to Navient. I have had this loan in deferment several time due to being in school but have been in repayment for some time now. The amount set to be repaid continually increases from what they say is daily revolving interest. I have lowered my payments to be more affordable for me but the interest continues to accrue at an astronomical rate. I feel as though I am a car stuck in mud getting no where but just sitting in the same spot spinning my tires getting deeper. Every time I try to talk with the company about my complaints they just continue to set up a 6 month program to lower my payments with my balance continuing to increase. Upon looking at my statement all my payments have gone to interest rather than principle. This originally was a {$5000.00} loan that 16 years later has tripled. At this rate I will have my federal loans payed off before this private loan.
Company Response: Closed with explanation

Timely Response

2019-03-28

Monroe, WA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-03-28

PA

Communication tactics

Debt collection: Private student loan debt

Frequent or repeated calls
Complaint: Navient continues to contact my father regarding a private student loan that was taken out in 1997. He has made payments on this loan however t It seems that the principal has never gone day and continued interest is piling up. They call constantly up 7 times a day on robo calls. I had changed the contact information since I place them in debt payment plan with XXXX XXXX XXXX. I asked them to stop calling my father since he is a senior and it has become hard financially. They continue to call and report negatively on our credit reports. They have become a nusance. I also asked if I could do a financial hardship and they denied it. The calls just keep coming in and my father has XXXX and the situation has gotten worse. Navient has the worst collection methods.
Company Response: Closed with explanation

Timely Response

2019-03-28

And, SC

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Company Response: Closed with explanation

Timely Response

2019-03-28

Green Bay, WI

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: On XX/XX/XXXX I had sent an email to Navient via Online Services for a request to review my loans. I have consistently paid these loans on time. Due to the amount of original disbursement repaid ( 220 %, 189 % and 147 % respectively ) I was requesting these loans be reviewed by a decision-maker within Navient XXXX XXXX XXXX. Instead, I always get tied up in their switchboard run-around of operators and automatic-messages and can not have an independent banker or loan officer review my case. After sending a detailed letter on XX/XX/XXXX, I received a response on XX/XX/XXXX : " Thank you for contacting us with your inquiry. Private credit loans do not qualify for loan forgiveness programs. '' I feel that this message is cold and unforgiving and my case has not been taken into consideration. There are many money lending services, including credit card companies, where if the original amount ( plus a little extra ) is paid off the company will forgive the debt if it's been repaid by a lot, or settle on a much smaller 1-time fee payoff to close the account. I have much more documentation and am happy to provide it as needed. Included in the attached files is a document detailing the full scope of my situation.
Company Response: Closed with explanation

Timely Response

2019-03-27

Trussville, AL

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-03-27

Lakeview, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-03-27

Moapa, NV

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I was misled by XXXX XXXX and my degree did not do what they said it would so I have submitted the information to the Dept of Education for XXXX XXXX over a year ago but Navient keeps harassing me for payment and charging me interest for a loan that is supposed to be forgiven. Please help.
Company Response: Closed with explanation

Timely Response

2019-03-27

Long Island City, NY

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I took loans out through Sallie Mae in the early XXXX. The loans totaled {$33000.00}. At the time I was done with school, the great recession had hit. I was unable to find employment for an extended period of time and the loans were put into forbearance. Beginning in XXXX, repayment began on the loans. I was unable to pay the amount and had to renegotiate payment plans on several occasions. Fast forward to the last few years when I became more financially stable. I have been paying several hundred dollars each month, which has gone only to interest. The interest rate has been hiked up over and over, and is now sitting at 12 % on the loans. I have created spreadsheets detailing all payments, including principal and interest. I have paid more than 3x the original balance on the loan, and still owe the company {$50000.00}. I have called so many times to complain and they say this is what you agreed to on the promissory note, we can not reduce interest rates. I am so discouraged and I do not understand how this is legal. I will end up paying more than 7x what was borrowed if I can ever repay the loans. I do not know who to turn to or what to do. I can't repair my credit because of these loans. I can not save money because of these loans. I can not start a family because of these loans. I can not buy a home because of these loans. There must be something that can be done. Borrowers have been failed at every turn. If these companies can legally do this, I have to ask the people in charge of them, how can they sleep at night knowing that they are ruining people 's lives? People who made decisions to do better and often at a age where they did not understand the implications of these decisions.
Company Response: Closed with explanation

Timely Response

2019-03-27

Temperanceville, VA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: After experiencing life 's hurdles, I have since been from unemployed and struggling to trying to make ends meet and keep up with my Navient XXXX Loans. I have attended the XXXX XXXX of XXXX and graduated in XXXX. The school has been Sued and Closed due to pressure tactics and false information to student during enrollment. I have gracefully notified Navient of this change. I file a Borrower 's Defense to Repayment and have had my federal loans waivered until XXXX. Navient did not notify me of the update until I contacted them for an updated after several weeks of checking their hotline : XXXX. Afterwards I continued to see what my repayment options were for my XXXX XXXX Loans. For some time I have been given the option to pay {$50.00} to put my account on hold status with interest accumulating for 3 months. I have done this numerous times until my financial status changed for the worst. Again, I notified Navient of my status changes along the way. I continued to be directed to pay {$50.00}, even after I discussed only having {$25.00} in my bank account. I attempted to ask a representative in recent months about submiting my Borrower 's Defense to Repayment application via email portal online for possible review because my school has been sued. I was notified the application doesn't qualify for private loans. I re-stated my case for special circumstance on not JUST the school closing, but because they were SUED, my application should qualify for someone to look at. I was given specific instruction on how to send it through email online. I went to the site and after a grueling 30min of searching, there is NO email upload option for private loans. There is ONLY the option to send a message. I sent messages about how to upload my application, only to get a phone number to contact. I contacted the phone line and was told that I can not send it to them and to apply for a school closure form. My question to Navient was " what are the contingencies? '' The representative asked my questions about graduating recently. I informed her my details of graduating in XXXX. She stated I can try to fill out the form that is coming in the mail 7-10 business day, no online form. I asked for a contact number for payment options. I was given to Navient XXXX line where I learned I am in Default and have 2 days to pay {$400.00}. The representative XXXX informed me that I dont qualify for the XXXX XXXX application. I asked why would i be directed to that if I didnt? He stated : I don't know. My credit is ruined and I don't want to attend any court proceeding. I have gracefully paid navient on loans in the past and have been desperately trying to find other options for payment. I have received a constant time-sensitive run around between reps giving me other contact info and coming to a dead end.
Company Response: Closed with explanation

Timely Response

2019-03-27

Arco, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: There are accounts from student loans on my credit report that is stopping me from getting credit or housing. I have contacted each credit reporting agency and requested that the accounts be removed.
Company Response: Closed with explanation

Timely Response

2019-03-27

CA

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I currently owe {$98000.00} in private student loan debt with Navient from my XXXX school education. The interest rates on the loans vary of 8.5 - 14 %. I am unable to afford the minimum monthly payments on the loans and have therefore made continual efforts to reach out to Navient to arrange payment plans so that I never miss a payment. InXX/XX/XXXX, I started Navient 's Interest-Rate reduction which, at the time, reduced by interest rate to 1 % and lowered my payments based on my income. I have reapplied for the program every year since then and although the interest rates and payment amounts have increased, they have maintained my payments at a level that I am able to afford, and therefore I have been on time with my payments every month for five years, never missing a single payment. Each year, I have to call before the reduction plan expires to request a renewal and negotiate an affordable rate. In XX/XX/XXXX, the plan changed, requiring borrowers to call back every six months rather than every year, to request a renewal. The rate also increases now every six months. I called to renew my plan on XX/XX/XXXX, one month before my most recent plan was scheduled to end. I spoke with a representative named XXXX and provided my current income information, my budget, and the cause for my business 's recent financial hardship. As has happened many times in the past, I was offered a payment plan that was significantly higher than before, which I could not afford. I honestly informed XXXX that there was no way that I would be able to afford payments above {$700.00} each month. XXXX said that the system was only offering a 6 % interest rate and that he would need to seek a manager 's approval to honor my previous six month 's 5 % interest rate for a continued payment of {$640.00} per month. In the past, this process has always resulted in subsequent approval of the reduced interest rate plan. Automatic payments are set up from my checking account which is already linked to Navient. In prior calls, I have always been told that if everything is approved by the manager, that I won't hear back ( e.g., " no news is good news '' ). When I renewed my interest rate reduction plan last fall, it appeared a month later that the plan had not been set up. I hadn't heard anything back about the manager 's approval, but I was told not to expect a call. So I called Navient to find out why my account was showing as overdue online. The representative informed me that they were simply " backlogged '' and hadn't yet put everything into the system. For these reasons, there was no indication that my most recent renewal would be any different. I did my due diligence. I called a month before my plan ended to ensure I wouldn't be late on a payment. I provided all the necessary information. I took notes. I was told that a manger 's approval would be sought for my reduction rate and I trusted that I would hear back if there was a problem. I never heard back, so I believed that my plan would continue and my payments would be made as usual. Over the last two days, I missed several calls from a number I did not recognize. No messages were left for me. Because I run a military and veteran mental health center I am unable to receive phone calls during the day. However, today, I luckily was able to see my phone ring while I was walking to the bathroom, and I answered a call from Navient -- the caller who had been calling and hanging up without leaving a message for the last two days. A representative told me that I owed over {$800.00}. I stopped what I was doing and went over my notes with her detailing my XX/XX/XXXX phone call with the Navient representative, XXXX, who had said that he was going to seek a manger 's approval for my continued 5 % interest rate. She said that my account had not been entered into the interest-rate reduction program and that it was now overdue. I asked if we could put it back in the interest rate reduction program and she said that was not an option because it had gone overdue since the auto-pay was dropped when it left the program. I asked to speak to a supervisor. The supervisor told me that she could not offer me any repayment options. I told her that this seemed unfair because I had done everything in my control to keep my account current and that I never received a call to inform me that a manger 's approval was not obtained for my plan. She said that she would send an email to the managers of the representative XXXX with whom I spoke on XX/XX/XXXX and that they would review the recording of the call " when they could. '' I was given no indication of whether the managers would reinstate my eligibility for the interest rate reduction plan. For the last five years since I have been in the interest-rate reduction program, I have managed my Navient account responsibly. I have made every payment on time, and I have always called Navient before the interest rate plan has lapsed to request reinstatement. Now, Navient has failed to follow through as promised and made no indication to me after my XX/XX/XXXX phone call that my account was not approved for enrollment in the interest-rate reduction program. Furthermore, THERE ARE NO NOTES ON THE ACCOUNT TO INDICATE THAT IT WAS REVIEWED BY A MANAGER FOR APPROVAL. Navient 's failure to appropriately follow-through on my program application led to my account going into an unpaid and overdue status without my knowledge, thereby disqualifying me from participation in the interest-rate reduction program altogether. This negligence has now additionally harmed my credit and puts me in a position of even greater financial hardship. I am seeking Navient 's reinstatement of my eligibility for the interest-rate reduction program and removal of the overdue status on my account. Thank you for your fair consideration of this request.
Company Response: Closed with monetary relief

Timely Response

2019-03-27

Las Vegas, NV

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

2019-03-27

Harsens Is, MI

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

2019-03-27

Bremen, GA

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I have had this loan for my daughter for over 15 years. It started at {$17000.00} and is up to {$30000.00} + Navient has not tried to help me pay down this loan they want an exorbitant amount of money each month. I am XXXX years old and just get social security and can not send them over {$400.00} a month. I tried to work our a repayment plan with them and they push me into Forbearance most of the time there have been times that I was also in deferment. To make a long story short the interest just keeps increasing. I can't talk to anyone that has enough power to discuss repayments most of the people I talk to are in another country. What they have done to people like me is criminal. I need help with this. XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-03-27

Juniper Hills, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Keep getting calls about your loan
Complaint: I received voicemails almost daily in regards to my federal student loan. All unidentifiable calls to my phone goes unanswered so a voicemail is left. The voicemail is always a female with different names and the script is always the same with a callback and reference number. The callback number is XXXX. XXXX XXXX, XXXX
Company Response: Closed with explanation

Timely Response

2019-03-26

City View Heights, OH

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