Navient Solutions, LLC.

2019-03-25

Effingham, KS

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: Navient Student Loans did not pass on any information regarding how to apply for different loans or change to a new loan provider that would allow for a forgiveness option for being a public servant.
Company Response: Closed with explanation

Timely Response

2019-03-24

Brentwood, TN

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive notice of right to dispute
Complaint: On XX/XX/2019, my employer send me A emailing stating that my wages will be garnish starting XX/XX/2019. So I contacted the loan company to informed them about I never received any information and at that moment they updated my information ( address in the system as they stated ). Spoke with a representative who took my call and stated that they will still garish my wages even though I never receive any information first by mail but only from my employer who receive it on XX/XX/XXXX and 15 % will be taken out. I was informed by the representative that I can get on income base program after I make 5 consecutive payment, plus the {$5.00} a month for 6 months. I cant afford that and I just started this job back in XXXX and just moved here, but she stated in order to do that I will have too. On XX/XX/XXXX, I contacted the company about I never receive the information about the garnishment at all and was informed by representative that it was send out on XX/XX/2019 to an address I never lived at, which I told them and the federal law ( Public Law 102-164 ; 20 U. S. C. 1095 ( a ) et seq ) stated that Your creditor must give you a 30-day notice, the representative placed me on hold because she did not know what I was talking about and I ask to speak with a supervisor. When the supervisor finally got on the phone and informed him about I never received a letter and thats not my address. I was highly upset because my social security number is on the paperwork my employer emailed me. The supervisor stated that it was my job to keep my address updated and I informed him that on the site that I access it is updated to a address that I receive my mail too. The supervisor was very rude and while he was talking I listen. So when he finished I explained to him again Sir I never received a letter and never stayed at that address and while I was talking he was raising his voice and over talking me. So when I ask him a question he didnt answer at all for and it was a very long dead air on the phone. I said hello like five times and no answer and when finally got on the phone again, I ask him did he here anything I said and his answer was yes and I said well I ask a question and you didnt say anything at all. So he stated again, its my job to update my information, I ask for his Boss and stated she is not in and that she is a very busy woman. So I ask for her name and number which he provided the name and said her number is the same as if I was calling in. I ask him do he know when she will be in and he stated I do not know, she is a very busy woman. I informed him that I will be filing a complaint because of his unprofessional towards me. On the following day I contacted Navient about the situation and was informed to speak with the collector, I informed them that I have and they are unprofessional and rude. Representative informed me that I can do voluntary payment with them instead of the wage garnishment but it will be up to them. I said okay, I will give that a try. So I ask to speak with there consolidate representatives and I spoke with a a representative and she walked me through the steps and was informed that it will take up to 90 days but to contact the collector to informed them that I will be doing that and see can they place it on hold since it doesnt start until next month. So I contacted XXXX XXXX again and as I was speaking with a representative who placed me on hold 3 times after I was speaking with her about the consolidation she placed me on hold again and but her supervisor on the phone who I spoke with before who was very rude and unprofessional and he explained to me that, thats not a good idea because I wont be able to apply to the IBR program if I do the consolidation and it will be more interest and I said well Sir I am going to do the consolidation and he stated the wage garnishment will still take place, so I ask him about the voluntary payment I can do and he decline. So I told him that I would like to do a hearing and can they send me a validation of my information from them. He stated that they will. I ask them how long will it take for them to send it out because the paperwork that was send out to my employer stated XX/XX/2019 and she received it on XX/XX/XXXX. He stated we will send it out on today. He also stated if you do the hearing that they will have to remove me from the IBR program and I said okay. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-24

Tarzana, CA

Credit monitoring or identity theft protection services

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

Billing dispute for services
Complaint: I find out that my information has been used fraudulent by a phone call the last call I received was on XX/XX/XXXX, I check my credit I had the issue before in XXXX, I dispute the fraudulent account, I did not received any money to go to school in XXXX, or XXXX, The Company Nanvient, ask me to send some papers with my identification, I been sending the same information, for 9 years now, They and XXXX refuse to remove it from my credit report, and is affecting me know, I have to move to another place the Landlord got so sick and has to sell the property, due to the negative of the student loan my score is low, I submit a request to XXXX with a police report, they refuse to delete it from my credit report, I submit the same request to XXXX and XXXX XXXX, they work well with me and help me to resolve the Issue, I been calling and sending proofs to XXXX and Nanvient, but they refuse to remove those accounts from my credit. I request please for them to remove those student loans that I did not apply for or get any money from any one.
Company Response: Closed with explanation

Timely Response

2019-03-24

Blackbird, DE

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Complaint: I graduated from XXXX XXXX in XX/XX/2003 with approximately {$92000.00} in Federal Loans with a combination of unsubsidized and subsidized loans. I consolidated them into one loan with a very low interest rate ( approximately 3.00 % ). XXXX was my servicer, but then Navient appeared on my documents. Prior to that it was the XXXX XXXX XXXX XXXX ( XXXX ) I believe. During that time, I had a medical issue and was unable to work and was receiving XXXX from a XXXX insurance policy that I bought previously ( which only lasted 2 years ). To avoid default or late payments, I filed forbearances, deferrals, and the hardship exception ( once after calling them back and telling them that I qualified for it because I did not realize I did and went on forbearance ). Over the course of those years, I was never offered the Income Driven Repayment Plan for a possible $ XXXX monthly payment ( I had no income and needed the XXXX money to pay for medical insurance and living expenses ). Over the course of approximately 7 years, {$50000.00} in interest was added to my school loans. I now owe {$140000.00} even though I graduated with {$92000.00} in loans. It seems crazy to be charged half of what I owed in interest for 7 years at a 3 % rate while trying to recover medically and returning to the work force. I am currently with XXXX XXXX, have consolidated Direct Loans, and I am working toward the Public Service Loan Forgiveness ( PSLF ) Exception to try to have some of this interest forgiven. However, I have 7 years to go before forgiveness is an option. I am a XXXX XXXX XXXX working in a low income school district which qualifies for PSLF. My payments just went from $ XXXX/mo to $ XXXXmo because of my salary. I don't believe that I owe an additional {$50000.00} in interest. I need someone to review these accounts to see if there were any deceptive practices or other causes of action.
Company Response: Closed with explanation

Timely Response

2019-03-24

Garden City P, NY

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-03-24

Kawaihae, HI

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

2019-03-24

Berthoud, CO

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

2019-03-24

Sioux Falls, SD

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: To Whom It May Concern : I have tried calling into Navient multiple times and dealt with excessive hold times for over an hour. Every time a representative would pickup they would say, I wasnt in the correct department for student loans and wouldnt be able to assist with my concern. They would put in a long hold with no assistance what-so-ever. Finally, I got so sick and tired of waiting on hold, I had sent an email with written instructions on XX/XX/XXXX requesting to have the funds that were deposited on XX/XX/XXXX for {$6000.00} be refunded back to myself. On XX/XX/XXXX, I finally got through to Navient and I directly spoke to a representative in the private loan department. I explained my situation to her and was told that she would get this over to the payment department and they would then reissue a refund back to myself. I should be getting a refund check within ten days. I waited over that period and still havent gotten my refund. This situation has become an ongoing problem with them. I keep on getting the runaround without any assistance. They responded back to my email on XX/XX/XXXX telling me that my concern was already addressed on the phone conversation on XX/XX/XXXX and nothing else was needed. Basically, all that Im requesting is that Navient due its due diligence and issue myself a refund check for the amount that I am requesting.
Company Response: Closed with explanation

Timely Response

2019-03-23

WA

False statements or representation

Debt collection: Federal student loan debt

Attempted to collect wrong amount
Complaint: Negotiated a cash payoff amount for student loan debt. Payment was sent in full for the amount on a billed notce and sent by usps shipped to billing address before due date. The amount cash payment was credited but agency did not honor the pay off negotiated amount. XXXX XXXX stated they changed addresses for payment and the address on the pay stub they sent was not correct, resulting in processing delay. XXXX states they are not able to make the change to the account, honoring payoff and continues to tell the consumer they need to contact department of Ed. Complaint : False statements and claims from collection agency. The agency payment statement for pay in full amount was not honored. The payment was sent and postmarked prior to due date. The agency stated the delay in payment processing is responsibility of collection agency as they changed billing address with no notification and referee consumer to dept of Ed. Collection Agency : XXXX XXXX XXXX , XXXX . XXXX XXXX XXXX XXXX, NY XXXX 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

2019-03-23

PA

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I have contacted Navient numerous times to negotiate a lower payment. I just neeed a lower payment for a short amount of time and they did not care. I offered to pay {$600.00} of an originally $ XXXX/mo student loan payment and they would not budge. I called my other loan company ( XXXX ) and they lowered my payment by 75 % a month for a year to help me get back on my feet. Navient is nothing but a predatory loan company that does not care about their customers.
Company Response: Closed with explanation

Timely Response

2019-03-23

NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Complaint: I contacted Navient by phone ( an ordeal in itself to get a human being ) about 3 weeks ago to inquire about my loan interest when I became aware that I was not enrolled on Autopay, which offers a lower interest rate. I recall I had enrolled in autopay years ago and never stopped it. I kept being told that I had made a phone call to terminate autopay ; the first individual told me my interest rate prior to XX/XX/2015 was $ 6.625 % and {$6.00} after I terminated autopay on XX/XX/2015 by phone call to them. I asked to speak to a supervisor, who told me that I had " never had autopay '' that it had been denied because one of my loans was too old to qualify therefore that old ( and smallest of of loans ) disqualified me for the lower rate. She said if I wanted more information, to email them. I did email Navient requesting documents showing my interest rate prior to XX/XX/2015 and after or any changes in interest rate on their records, and proof that I had disenrolled in autopay ( I never, ever called them to stop it. ) I never received information that I had been turned down for autopay because one loan did not qualify due being " too old. '' I could not find information on their website about what qualifies you for a lower interest rate through autopay. The response to my inquiry was exactly the same they told me on the phone, without any documentation showing my interest rate before and after XX/XX/2015 or proof of my phone call, which is a total lie. This is their impersonal ( no individual name preparing it ) response to my written inquiry : Our records indicate that you applied online for the Auto Pay program on XX/XX/2015. Your request was approved on XX/XX/2015. You requested to terminate this program by phone on XX/XX/2015. I really appreciate your help on this matter. Either Navient engages in fraudulent practices or their customer services staff is outright unqualified. The result for their customers is the same- tremendous frustration and financial loss.
Company Response: Closed with explanation

Timely Response

2019-03-23

Brownstone, PA

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

2019-03-23

Fairfax, VA

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

2019-03-23

Newnan, GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I have asked for verification that both of these loans belonged to me by sending me the original documents that were signed because it basically looks as if they are trying to charge me for loans I didnt take.
Company Response: Closed with explanation

Timely Response

2019-03-22

Ashville, OH

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: I took a private loan from Navient ( Sallie Mae ) back in 2008. Initially I wanted to get the fixed rate but was advised by the finance advisor to go with the variable because the fixed rate was too high and I could change it in the future. I later found out when I started making payments that this is not true. Currently my monthly bill consist of paying 85 % interest. I am mostly paying the interest instead of the principal. Due to my current income, I am only able to afford the minimum payment. The interest they charge is ridiculously high and they claim there is nothing they can do about it. They also do not allow borrowers to switch from a variable to a fixed interest rate. The variable rate is never low and is constantly high. I contacted Navient and asked to be given the variable interest rates that I have been paying them, however they could not provide the information and told me that they will email me the information ( I have not received it ). Navient claims to have borrowers interest at heart, but this is not true. Not only was I misguided with information but they informed me that there is nothing they can do with my current payment set up.
Company Response: Closed with explanation

Timely Response

2019-03-22

Greenwood, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: NAVIENT - XX/XX/XXXX that automatically deferred my loan. I contacted them immediately and told them I did not ask nor did I want a deferment. The said ok we have fixed it. I then on XX/XX/XXXX I received a letter stating they have changed my terms and payments. They lowered my payments and extended out my loan for 3 more years!! 3 more years of interest!! I called them and they could not explain. I have 2 loans taken out on the same date and payments started on the same time together. they now say one loan completes on XXXX and the other XXXX. They used to be the same XXXX.
Company Response: Closed with explanation

Timely Response

2019-03-22

AR

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was paid
Complaint: I first noticed payments to Navient on my student loans " disappearing '' in the summer of 2017. It had likely been happening for a long time. My fault for not paying enough attention I guess. SOME payments were showing up, and some weren't, even though I always paid in the exact same way ( online ). The money was pulled from my bank, but it was not showing up as paid on Navient 's end, and my loan amount owed was not decreasing. I called them, they confirmed that they had " not received a payment in three months '' despite the fact that my bank records proved otherwise. Later, they denied this conversation ever happened. I refused at that point to speak with them on the phone, but would use email only, where it can be documented, and they can't lie. They refused to discuss the loans or offer any explanation or solution, and still refuse to this day. I stopped sending them money, because I'm not paying money to have it vanish, obviously. They sent my loans to collections and confiscated my tax return ( thousands of dollars ) which I needed, because I'm poor. Additionally, Navient constantly offered only " forbearance '' when I had no money to pay, rather than more reasonable repayment options. Also, XXXX approved my loans for loan forgiveness, then suddenly, mysteriously " unapproved '' them two weeks later. I am 100 % certain Navient was behind that because they would not get as much money.
Company Response: Closed with explanation

Timely Response

2019-03-22

Savannah, GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Funny payment applications - I have a XXXX balance but they say no payment is due. I make payments regardless, but doubt they are being applied. IT HAS BEEN 12 YEARS! Its Navient in case anyone wonders.
Company Response: Closed with explanation

Timely Response

2019-03-22

CA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I have tried to Discuss with NAVIENT my financial situation to resolve my high payments ... they tell me they will only accept a specific payment ... I make between 1100-1300 month ... by the time I pay my living expenses and NAVIENT ... I am left with nothing. I only get paid 1 time a month so stretching my pay from payday to payday is hard. I offered them a {$200.00} dollar per month payment and they said it was not enough. They want to take out {$400.00} per month and by the time I pay my rent more than half my check is gone. My XXXX year old father is on my loans as a co-signer and lives on a fixed income, has major health problems and lives in a home with many problems ... if I can't pay he gets harassed by NAVIENT. I am NOT unwilling to pay but I can only make small payments at this time. Is there anything that can be done? XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-03-22

TX

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: I took out a loan to attend XXXX located in XXXX XXXX, Texas. I took courses in XXXX XXXX and XXXX to retrain for a career. Originally, the loan was not through Navient but was later reassigned to Navient. The interest rate was exorbitant and the principal seemed to never go down. My payments only seemed to pay the interest amount. As soon as we could be approved to get a personal loan to pay off Navient we did. I no longer have " Student Loan '' but I do have a loan that I am paying on. I feel that I deserve to be a participant in any lawsuit settlements against Navient.
Company Response: Closed with explanation

Timely Response

2019-03-21

Chicago, IL

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

2019-03-21

Las Vegas, NV

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: This has been going on for about 20 years, my name was forged on a document and they keep telling me I have to file a forbearance ... I have never heard of this college, I am XXXX and would never take out this kind of money.
Company Response: Closed with explanation

Timely Response

2019-03-21

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-03-21

Birmingham, AL

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

2019-03-21

Suffolk, VA

Took or threatened to take negative or legal action

Debt collection: Federal student loan debt

Seized or attempted to seize your property
Complaint: XXXX XXXX XXXX XXXX began garnishing my wages through my employer, XXXX XXXX XXXX on XX/XX/2019, with no prior notice for alleged student loan debt that I was under the impression was forgiven.
Company Response: Closed with explanation

Timely Response